Can I retire at age 35 with 1,390,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$114,785$113,762$112,765$111,791$110,841$107,164
2 years$56,824$55,766$54,740$53,746$52,781$49,113
3 years$37,507$36,444$35,421$34,435$33,487$29,941
4 years$27,850$26,790$25,777$24,809$23,883$20,488
5 years$22,057$21,004$20,004$19,056$18,155$14,920
6 years$18,196$17,151$16,166$15,239$14,366$11,293
7 years$15,440$14,403$13,434$12,529$11,683$8,772
8 years$13,374$12,346$11,393$10,510$9,692$6,941
9 years$11,767$10,750$9,813$8,952$8,162$5,567
10 years$10,483$9,475$8,555$7,717$6,955$4,511
11 years$9,433$8,435$7,532$6,716$5,981$3,685
12 years$8,558$7,571$6,684$5,891$5,183$3,030
13 years$7,819$6,842$5,972$5,201$4,520$2,503
14 years$7,186$6,219$5,366$4,617$3,962$2,077
15 years$6,637$5,681$4,845$4,117$3,489$1,729
16 years$6,158$5,213$4,392$3,687$3,083$1,443
17 years$5,736$4,801$3,997$3,312$2,734$1,207
18 years$5,361$4,436$3,649$2,985$2,431$1,011
19 years$5,025$4,111$3,340$2,697$2,167$849
20 years$4,724$3,820$3,065$2,443$1,935$713
21 years$4,452$3,559$2,820$2,217$1,732$600
22 years$4,205$3,322$2,599$2,016$1,552$505
23 years$3,979$3,107$2,399$1,836$1,393$426
24 years$3,773$2,911$2,219$1,674$1,252$359
25 years$3,584$2,732$2,055$1,529$1,127$303
26 years$3,409$2,567$1,906$1,398$1,015$256
27 years$3,248$2,416$1,770$1,280$915$216
28 years$3,098$2,277$1,646$1,173$826$182
29 years$2,959$2,148$1,531$1,075$746$154
30 years$2,829$2,028$1,426$987$674$130
31 years$2,709$1,918$1,330$906$609$110
32 years$2,595$1,814$1,241$833$551$93
33 years$2,489$1,718$1,158$766$499$79
34 years$2,390$1,628$1,082$705$452$66
35 years$2,296$1,545$1,012$649$409$56
36 years$2,208$1,466$947$597$371$48
37 years$2,124$1,392$886$551$336$40
38 years$2,046$1,323$830$507$304$34
39 years$1,971$1,258$777$468$276$29
40 years$1,900$1,197$729$432$250$24
41 years$1,833$1,140$683$398$227$21
42 years$1,770$1,085$641$367$206$17
43 years$1,709$1,034$601$339$187$15
44 years$1,652$986$565$313$170$12
45 years$1,597$940$530$289$154$11
46 years$1,544$897$498$267$140$9
47 years$1,494$856$468$247$127$8
48 years$1,447$817$440$228$115$6
49 years$1,401$780$413$211$105$5
50 years$1,357$745$388$195$95$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,390,000, adding $4,676 every year, while hoping to spend $37,133 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 52/24/24 Blend
34$1,390,000$1,390,000$1,390,000$1,390,000
35$1,536,603$1,462,933$1,441,388$1,606,014
36$1,653,828$1,495,108$1,450,166$1,686,695
37$1,781,764$1,527,614$1,457,992$1,770,223
38$1,921,467$1,560,430$1,464,798$1,860,322
39$2,074,095$1,593,529$1,470,507$1,957,629
40$2,240,925$1,626,885$1,475,041$2,062,851
41$2,423,362$1,660,465$1,478,318$2,176,765
42$2,622,956$1,694,238$1,480,252$2,300,228
43$2,841,408$1,728,167$1,480,752$2,434,185
44$3,080,597$1,762,212$1,479,722$2,579,678
45$3,342,587$1,796,331$1,477,062$2,737,855
46$3,629,656$1,830,475$1,472,668$2,909,983
47$3,944,308$1,864,596$1,466,430$3,097,458
48$4,289,305$1,898,638$1,458,233$3,301,820
49$4,667,685$1,932,543$1,447,955$3,524,765
50$5,082,798$1,966,246$1,435,470$3,768,165
51$5,538,330$1,999,680$1,420,646$4,034,084
52$6,038,346$2,032,770$1,403,343$4,324,796
53$6,587,319$2,065,437$1,383,417$4,642,810
54$7,190,178$2,097,596$1,360,714$4,990,892
55$7,852,355$2,129,157$1,335,076$5,372,090
56$8,579,829$2,160,020$1,306,336$5,789,767
57$9,379,192$2,190,081$1,274,318$6,247,629
58$10,257,703$2,219,229$1,238,841$6,749,763
59$11,223,360$2,247,342$1,199,714$7,300,675
60$12,284,974$2,274,293$1,156,735$7,905,332
61$13,452,253$2,299,945$1,109,697$8,569,211
62$14,735,892$2,324,151$1,058,381$9,298,350
63$16,147,674$2,346,756$1,002,559$10,099,406
64$17,700,583$2,367,594$941,991$10,979,717
65$19,408,923$2,386,486$876,428$11,947,375
66$21,288,455$2,403,245$805,610$13,011,298
67$23,356,543$2,417,670$729,263$14,181,319
68$25,632,321$2,429,546$647,104$15,468,280
69$28,136,871$2,438,647$558,835$16,884,128
70$30,893,421$2,444,731$464,146$18,442,039
71$33,927,568$2,447,540$362,712$20,156,534
72$37,267,512$2,446,802$254,195$22,043,622
73$40,944,329$2,442,226$138,242$24,120,949
74$44,992,262$2,433,506$14,484$26,407,969
75$49,449,038$2,420,314$0$28,926,126
76$54,356,235$2,402,304$0$31,729,168
77$59,759,663$2,379,108$0$34,818,954
78$65,709,801$2,350,338$0$38,220,601
79$72,262,275$2,315,579$0$41,965,877
80$79,478,379$2,274,394$0$46,089,797
81$87,425,654$2,226,320$0$50,630,947
82$96,178,527$2,170,865$0$55,631,852
83$105,819,009$2,107,510$0$61,139,375
84$116,437,474$2,035,704$0$67,205,166
85$128,133,507$1,954,864$0$73,886,142
86$141,016,848$1,864,375$0$81,245,034
87$155,208,421$1,763,584$0$89,350,970
88$170,841,482$1,651,802$0$98,280,136
89$188,062,872$1,528,300$0$108,116,495
90$207,034,405$1,392,306$0$118,952,576
91$227,934,390$1,243,005$0$130,890,352
92$250,959,323$1,079,537$0$144,042,204
93$276,325,730$900,991$0$158,531,981
94$304,272,221$706,405$0$174,496,172
95$335,061,733$494,765$0$192,085,194
96$368,984,019$264,998$0$211,464,815
97$406,358,377$15,971$0$232,817,720
98$447,536,665$0$0$256,345,236
99$492,906,626$0$0$282,336,186
100$542,895,542$0$0$310,978,084